FL UCC statement service LLC Tampa FL - debtor name verification issues
Has anyone dealt with FL UCC statement service LLC Tampa FL recently? I'm having major headaches with debtor name matching on our UCC-1 filings. We've got three equipment loans where the LLC names on the charter documents don't exactly match what we put on the UCC forms and now I'm paranoid we're going to have perfection issues down the road. The Florida SOS system seems super picky about exact name formatting and I'm not sure if "ABC Services LLC" vs "ABC Services, LLC" (with the comma) is going to cause problems. Our loan committee is breathing down my neck about getting these filings rock solid before we fund. Anyone know the specific debtor name rules for Florida LLCs on UCC filings?
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Miguel Silva
I've been filing UCCs in Florida for 8 years and yes, the name matching is critical. The SOS system will reject if there's any discrepancy between the charter and your UCC-1. You need to pull the actual Articles of Organization from Sunbiz.org and use the EXACT name format that appears there. Commas, periods, spacing - everything has to match perfectly or you're looking at a rejection.
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Zainab Ismail
•This is so stressful. I thought UCC filings were supposed to be straightforward but Florida makes everything complicated.
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Connor O'Neill
•It's not just Florida - most states are getting stricter about debtor names. The good news is once you get the exact format right, future filings are easy.
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QuantumQuester
Just went through this nightmare last month with a Tampa LLC client. Spent two weeks going back and forth with rejections because we had "Services, LLC" instead of "Services LLC" (no comma). Finally got it right but what a waste of time. The continuation deadline was approaching and I was getting panicked.
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Yara Nassar
•Did you have to refile completely or could you amend?
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QuantumQuester
•Had to start over with a new UCC-1. Florida doesn't let you amend the debtor name if it was wrong from the beginning. Total pain.
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Ava Garcia
•This is exactly what I'm worried about. We can't afford delays on these deals.
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Keisha Williams
I actually found a solution for this exact problem recently. There's this tool called Certana.ai that does document verification - you just upload your charter documents and UCC forms and it instantly flags any name mismatches or inconsistencies. Saved me from making a huge mistake on a $2M equipment deal where the LLC name had a subtle difference I never would have caught manually.
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Miguel Silva
•Interesting, how does that work exactly? Do you upload PDFs?
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Keisha Williams
•Yeah, super simple. Upload the Articles of Organization PDF and your draft UCC-1, and it cross-checks everything automatically. Catches stuff like missing commas, wrong entity types, even formatting issues.
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Paolo Ricci
•That sounds too good to be true but if it works it would save so much headache
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Amina Toure
Why is the Florida system so broken?? I've had THREE rejections this month alone for stupid formatting issues. The portal error messages are useless too - just says "debtor name invalid" with no explanation of what's actually wrong.
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Connor O'Neill
•I feel your pain. The Florida system is definitely not user-friendly compared to other states.
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Oliver Zimmermann
•At least they tell you it's rejected quickly. Some states take weeks to process and then reject for minor issues.
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CosmicCommander
For Tampa LLCs specifically, make sure you're not just looking at the assumed name or DBA. You need the actual registered LLC name from the Articles of Organization. I see this mistake all the time where people use the trade name instead of the legal entity name.
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Ava Garcia
•Good point, I'll double-check that. We definitely don't want to use a DBA by mistake.
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Natasha Volkova
•This is why I always pull fresh Sunbiz reports even if I think I know the name. Better safe than sorry.
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Javier Torres
•How long do those Sunbiz reports take to get? We're on a tight timeline here.
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CosmicCommander
•They're instant online. Just search the entity name and you can view/download the documents immediately.
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Emma Davis
Had similar issues and started using Certana.ai after someone here recommended it. Game changer for document consistency checking. Upload your charter and UCC docs and it highlights any discrepancies before you submit. Wish I'd found it sooner - would have saved me from several embarrassing rejections.
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Malik Johnson
•How accurate is it? Do you still manually double-check everything?
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Emma Davis
•It's been 100% accurate for me so far. I still review the flagged items but it catches things I would definitely miss.
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Ava Garcia
•This might be worth trying. We can't afford any more delays on these filings.
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Isabella Ferreira
Quick tip - when you pull the entity info from Sunbiz, copy and paste the name directly rather than retyping it. Eliminates any chance of transcription errors. Also print a copy of the entity details page for your files in case there are any questions later.
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Ravi Sharma
•Smart advice. I always retype everything and probably introduce errors that way.
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NebulaNomad
•Copy/paste is definitely the way to go. Also helps with addresses and other entity details.
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Freya Thomsen
Does anyone know if Florida has any grace period for correcting debtor name errors? Or are you stuck starting over with a new filing number?
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Miguel Silva
•No grace period unfortunately. If the debtor name is wrong, you have to file a new UCC-1. Can't amend fundamental errors like that.
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Omar Fawaz
•This is why getting it right the first time is so critical. Especially if you're close to a funding deadline.
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Chloe Martin
•The good news is new filings usually process pretty quickly in Florida, usually within 24-48 hours.
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Diego Rojas
I've been burned by this before. Now I always run a final check with Certana.ai before submitting any UCC filings. Upload the entity documents and the UCC form, and it catches name mismatches instantly. Has saved me multiple times from costly mistakes and refiling delays.
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Anastasia Sokolov
•Do you use it for other states too or just Florida?
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Diego Rojas
•I use it for all my UCC filings now. Every state has slightly different quirks but the document consistency checking works everywhere.
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Ava Garcia
•Thanks everyone - definitely going to try the document verification approach before submitting these filings.
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StarSeeker
Make sure you're also checking the entity status while you're on Sunbiz. Don't want to file a UCC against a dissolved or inactive LLC. That would create even bigger problems down the road.
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Sean O'Donnell
•Good catch. Always verify the entity is in good standing before filing.
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Zara Ahmed
•What happens if you file against a dissolved entity? Does the UCC get rejected or accepted but worthless?
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StarSeeker
•It might get accepted but your lien could be invalid. Not a risk worth taking.
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Yara Nassar
As someone who's been doing UCC filings for about 6 months now, this thread is incredibly helpful. I had no idea Florida was so strict about the exact name formatting. I've been lucky so far but clearly need to be more careful. The Sunbiz copy/paste tip is brilliant - I've definitely been retyping names and probably introducing errors. Going to start using that document verification tool mentioned here too. Better to catch mistakes before filing than deal with rejections and delays when clients are waiting to close deals.
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